Accidental death
Accidental death and dismemberment insurance
AD&D pays a benefit for an accidental death, or for certain serious injuries, using the definitions in the policy. It is not a substitute for term life. Illness is usually not covered.
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Carriers we work with
Life & Annuities
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Why people call
Accident, as the policy defines it
The contract decides what counts as an accident. We read that definition with you instead of using the everyday meaning of the word.
Not illness coverage
A heart attack, cancer, or other illness is usually outside an AD&D policy. If that risk matters, look at term life.
Exclusions are the point
Policies often exclude some activities and some causes. We show those lines before you buy.
Where AD&D fits
Some people add accidental death coverage because they want a benefit aimed at accidents, on its own or as a rider on a life policy. The accidental death benefit and any dismemberment benefit are scheduled in the contract. A dismemberment benefit is not the same dollar amount as the death benefit on every policy. We will not print a sample schedule here.
AD&D does not replace term life for a family that depends on your income if you die from an illness. If you are choosing between them, start with the risk you are actually worried about. We can quote both and you can keep one, both, or neither.
Call or text (321) 429-1182 or choose Accidental death on the quote form. Tell us if this is for you, a spouse, or a worker.
A free quote is not a policy. Nothing on this page is a binder of coverage.
Questions people ask
Does AD&D pay if I die from an illness?
Usually no. These policies pay for losses the contract calls accidental. A disease is a different claim. If your family needs income replaced no matter the cause of death, ask about term life as well.
What injuries can be covered?
Only the ones listed. Policies often name loss of a limb, sight, speech, or hearing, and they pay a percentage of the principal amount. Your percentage is in the policy, not on this page. We read the schedule with you.
Are there common exclusions?
Yes. Many contracts exclude war, some kinds of flying, committing a felony, or injuries while intoxicated. Some exclude certain sports. We will not say your hobby is covered until we see the form.
Is a rider different from a standalone policy?
A rider is attached to another life policy and ends when that policy ends. A standalone AD&D policy is its own contract. We will tell you which one a quote is, and what happens if you cancel the base policy.
Does my job change the quote?
It can. A desk job and a job around heavy equipment are not the same risk. Tell us what you do. If a carrier will not write that occupation, we will say so.
Will it pay my medical bills after an accident?
Not as health insurance. AD&D pays the scheduled benefit for a listed loss. Hospital bills are a health insurance question. Accident medical riders exist on some policies. We will say if a quote has one, and we will not describe benefits it does not have.
Can I buy this for my family?
Often a spouse or child can be added, with a smaller benefit. Each person still has to fit the contract. Tell us the ages. We do not quote a child the same way we quote an adult.
Is the quote free?
Yes. There is no broker fee. The carrier decides whether to offer the policy.
Ready for a real quote?
Call, text, or send the short form. We answer during Monday–Friday, 9:00 AM–6:00 PM; Saturday, 10:00 AM–2:00 PM; Sunday closed.